Retire Early Lifestyle
Retirement; like your parents, but way cooler

In 1991 Billy and Akaisha Kaderli retired at the age of 38. Now, into their 4th decade of this financially independent lifestyle, they invite you to take advantage of their wisdom and experience.

Your Book and Retiring in India

Q and A with a Reader

Billy and Akaisha Kaderli 

Hi Akaisha \ Billy

I just finished the book. Firstly thank you for writing and sharing the book.

While I was aware of many ideas, your first-hand experience has added credibility to them. I found insights into skill trading, emotional challenges and car free living most useful. Our traveling style is local and very similar to yours except for being car free, and we hope to further put into practice the useful tips that we have access to now.  

We come from India, currently living in Dubai while children are in Canada and hence we do understand your emphasis on medical care/ cost. We plan to make most of our Dubai stay using the connectivity this city offers for traveling around and retire by the end of 2023.

Monks crossing the road in Chiang Mai, Thailand

While you mention medical tourism in India, we didn't find any other mention of India in the book. Do you think India is a good base for retirement in the same league as Vietnam, Mexico, Thailand or say Guatemala? The reason we ask this question is because we see India as our future retirement base. We are also curious to know of your experience, if you traveled to India.

Hats off to you folks for the decision that you made in the year I started my career and best wishes for your continuing long journey. As you say "Hopefully we can meet up somewhere, someplace, sometime".

Cheers,

Rajat

Ven Aca restaurant on Lake Atitlan, Guatemala

Hi Rajat!

Thank you for taking the time to write such a lovely email. We are very happy that you found our book to be useful to you - and thank you for listing what things were the most helpful to you.

We appreciate that!

Billy and I have never been to India. We have several friends who have gone, but in our travels we have focused elsewhere. So, unfortunately, we have no experience nor information about retirement in India.

However -- I can make a few suggestions to you that will be helpful no matter where you might choose to retire.

Before I get into that - You might try looking up on the internet "Retirement in India" and find all sorts of useful information. We might also suggest that you join an Expat Forum or something of that nature and ask how retirement in India is going -- pricing, medical, travel, cost of living, etc. This would be very helpful to you.

The other suggestions I have would be to remind you that there are 4 categories of highest spending in any household -- Housing, Transportation, Taxes and Food/Entertainment.

Housing is THE biggest outlay of capital in any household. If you modify your housing expenses -- you can live anywhere in the world. Transportation is the 2nd biggest cost (insurance, maintenance, licensing, fuel, parking, etc.) So if you can pare down to one car or none at all and instead, use other sources of transport that, too, will save you a lot of money.

How you structure your taxes also has a big impact on your retirement nest egg. If your retirement "income" is all taxed at a regular income rate instead of say, capital gains - you could be paying more in taxes than you need be. You might want to research that matter a little bit more.

And of course, the Food/Entertainment is something that is within our personal control. If you have high expenses in entertainment, you can go through quite a bit of your savings quickly.

If you have any other questions, feel free to write.

Again, thank you for your lovely email, and we appreciate that you took the time to write to us.

Take care and please do stay in touch.

All our best,

Akaisha and Billy

Retire Early Lifestyle appeals to a different kind of person – the person who prizes their independence, values their time, and who doesn’t want to mindlessly follow the crowd.

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